It's over 100 here but i sleep with a quilt as I get chilled from the fan and A/C, although I keep it at 78-79.
I have used warm and natural as well as Quilter's Dream Cotton. It can get very cold here in winter as the humidity can remain high. It may only snow by a freak of nature but we do wear winter caps and lightweight parkas to go walking or to shop. You will find this in FL too. I was in Panama City Beach a few years ago and nearly froze in Dec. (And I worethose cuddle duds.) Then I've gone to Daytona area and it was 80 at that time of yr.